Digital Wallet
More than just a wallet
a futuristic payment platform
The digital wallet that you always wanted to build.
More than just a wallet
Digital onboarding
Streamline customer onboarding with seamless digital solutions: OCR scan, liveliness check, eKYC, video KYC, blocklist checks, and AML compliance, ensuring efficient and secure user verification and risk management.
Multiple payment instruments
Empower your transactions using diverse options. Access e-money, bank accounts, and cards within your instrument vault, ensuring effortless payments with a range of convenient instruments.
Real-time payments and transfers
Experience instant and versatile transactions. Utilize QR codes, NFC, beneficiary transfers, merchant payments, bill settlements, recharges, and both proximity and remote transactions for seamless digital wallet operations.
Instant credit
Uplift your customers with instant credit solutions through our digital wallet. Unveil Buy Now, Pay Later (BNPL), user-friendly overdrafts, and microloans, reshaping financial freedom with unmatched flexibility.
Gamified loyalty and rewards
Revolutionize customer experience by infusing engagement with rewards. Elevate interaction within the digital wallet, fostering lasting relationships through exciting incentives and interactive challenges.
Top-up and bill payment
Enable immediate top-up services for customers to pay fixed or flexible amounts. Facilitate easy bill payments for post-paid services like mobile airtime, internet, DTH, electricity, utilities, and more—all from our digital wallet.
Liquidity prediction with AI
Our feature smartly predicts the required float and cash levels for day, week, and month. Agent networks can easily top-up their wallet balances as per the forecast with our liquidity prediction with AI.
Manage crypto currencies
Effortlessly manage your cryptocurrency portfolio with a platform designed for convenience and speed. Check balances in real-time, buy or sell your preferred cryptocurrencies, and transfer them securely—all in one place.
More Features
Give your wallet a competitive edge
NxM business hierarchy management
Effortlessly manage diverse hierarchies, including agents, merchants, and distributors. Empower role-based access, thresholds, and flexibility, ensuring smooth operations and optimal control.
Bill payments and reminders
Simplify bill management. Seamlessly settle payments, automate recurring transactions, and receive timely reminders, thus effortlessly handle bills and enjoy hassle-free financial management.
Security and authentication
Your security, our focus. Strengthen access with two-factor or multi-factor authentication. Employ biometrics like fingerprints and facial recognition for impenetrable security.
Personal finance management
Master your money effortlessly. Monitor expenses, set budgets, and visualize spending trends, making every penny count with our easy-to-use personal finance tools.
Real-time fees, charges, and taxes
Navigate transactions with clarity. Instantly view fees, charges, and taxes tailored to your location. Enjoy transparent, real-time insights for informed financial decisions.
Settlement, reversals, and reconciliation
Effortlessly manage financial flows. Streamline settlement processes, enable easy reversals, and achieve impeccable reconciliation, allowing smoother financial operations within your digital wallet.
Goal-based savings
Take the hassle out of saving with GBS’s automated transfers. Simply schedule automated transfers - daily, weekly, or monthly - to move funds from your chosen Pouch to your GBS Pouch.
Frequently asked questions
What options are available for onboarding users into the MobiFin digital wallet?
MobiFin’s digital wallet provides various onboarding options, including self-registration via a mobile app or web portal, assisted onboarding at field locations, and bulk onboarding through backend processes. These flexible options ensure that different types of users—such as customers, agents, and merchants—can easily register for the wallets.
What are the payment methods supported by your digital wallet support?
We support multiple payment instruments, allowing you to use debit/credit cards, linked bank accounts, and monetary and non-monetary wallet balances. Our digital wallet is compatible with a wide range of payment methods, including QR codes, USSD, and web interfaces, making it versatile for digital payments.
How does MobiFin ensure security for digital wallet transactions?
MobiFin’s architecture incorporates advanced measures such as two-factor authentication, role-based access control, TOTP login mechanism, and dynamic maker-checker-approver flows. MobiFin also adheres to Payment Card Industry (PCI) standards and supports real-time Anti-Money Laundering (AML) rules for ensuring the security of digital wallet transactions.
Does MobiFin digital wallet support multi-tenancy?
Yes, MobiFin enables multiple business entities to operate on a single platform instance with logical data isolation for each tenant. This approach helps manage various tenants or customer groups with different configurations.
Can your digital wallet support high transaction volumes without compromising performance?
Yes, our digital wallet’s microservice-based architecture and advanced caching/load-balancing mechanisms enable it to handle high transaction volumes efficiently, ensuring quick and reliable transactions, even during peak usage.
How does MobiFin support business rule customization for transactions?
MobiFin enables businesses to set up dynamic transaction rules and counters, allowing them to establish limits on transaction frequency or volume or amount, enforce velocity checks, and implement specific rules for different transaction types, all managed through the platform’s admin interface.
Can MobiFin’s digital wallet manage complex agent networks for businesses?
Yes, MobiFin’s digital wallet includes advanced business hierarchy management, allowing businesses to build multi-level agent and distributor networks. The platform also incorporates target management features to optimize processes and enhance overall efficiency.
Do you offer loyalty and rewards feature?
Yes, our digital wallet includes a loyalty and rewards feature, where users can earn loyalty points, redeem them for vouchers, and upgrade to higher loyalty tiers to unlock additional benefits.
Can MobiFin’s digital wallet support international remittances?
Yes, MobiFin allows for international remittances by integrating with third-party remittance providers. This feature enables users to transfer funds globally, enhancing cross-border financial inclusion and convenience.
Does MobiFin support the integration of third-party billers and systems to facilitate services like bill payment and mobile
top-up?
top-up?
Yes, MobiFin has an exclusive biller integration module which helps service providers to integrate billers and offer bill payment and top-up services to subscribers.
